So the medical industry is based on intentionally giving ridiculous bills that no one can pay and waiting for people to haggle them down in hopes of not having their finances crushed?
As well, people don't really go bankrupt from medical costs that often. Hospitalizations cause about 4% of bankruptcies among nonelderly adults. Among uninsured, this rate is about 6%. They mostly go bankrupt because they lose their jobs and income [0].